With Hitachi Personal Finance you can rely on getting a simple, highly competitive loan, quickly. Our easy online application literally takes minutes to complete and funds can be in your account within 48 hours.

Just one of the reasons we’ve been voted the UK’s Best Direct Loan Provider by Your Money for the last three years.

Representative example: A Hitachi loan based on borrowing £7,500 over 5 years*

Representative

Rate of interest

Monthly repayment

Total credit charge

Total repayment

3.1% APR

3.1% (fixed)

£134.97

£598.20

£8098.20

Our Price Promise

The majority of our customers receive the advertised rate, but if you're given a higher APR we guarantee that you'll never pay more than £176.45 per month when you borrow £7,500 over 5 years*.

If you are offered a higher rate you will be able to increase the number of months you use to repay the loan to reduce your monthly payments to suit your budget.

Personal Loans details

Personal Loans range from £2,500 to £25,000, for a term of 2 to 5 years

3.1% APR Representative* on personal loans between £7,500 and £10,000

Easy to complete online application process and an instant decision

Fixed monthly repayments

No arrangement fees

No Hidden fees

We believe in keeping things very simple, so there are no set up fees or hidden charges. Our online application couldn’t be easier, it takes minutes to complete and the funds can be transferred into your account within 48 hours.

We treat all our customers and their applications on an individual basis. The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 39.9%*. All loans are subject to status.

Key Facts - what you need to know about our personal loans at a glance

Repaying your loan

Your payments will be made monthly, with the 1st repayment being made 1 month after you sign your loan agreement.

You can make over-payments and early repayments on your loan free of charge.

Interest charged

The interest rate on the loan is fixed for the duration of the loan period. Interest is charged on a daily basis.

How long will it take for my loan to be processed?

The online application process takes 10 minutes; if you call our loans team to go through an application it may take a little longer. The decision is instant and the funds can be with you within 48 hours.

Repayment period

Our repayment terms are between 2 years to 5 years.

There are no arrangement fees or any other hidden fees with our loans.

What if I default on payment?

Fees could be incurred if payments are not made on time. Such as:-

Direct Debits that are recalled - £22 per occurrence

Returned or recalled Cheques or credit/debit card payments - £25 per occurrence

Letters sent to you as a result of a breach of contract - £25 per letter

Personal loan amounts

£3,000 to £4,999

£5,000 to £7,499

£7,500 to £10,000

£10,000 to £15,000

£15,000.01 to £25,000

£3,000 to £4,999

7.3% APR Representative

We provide competitive personal loans from £3,000 to £4,999, so you could use your loan from Hitachi Personal Finance to purchase a new car, make some home improvements or organise your finances into one fixed monthly payment.

We provide competitive loans from £5,000 to £7,499, so you could use your personal loan from Hitachi Personal Finance to take the family on holiday, upgrade your car or simply pay off those high interest credit cards.

We provide competitive loans from £7,500 to £10,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

We provide competitive loans from £10,000 to £15,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

We provide competitive loans from £15,000.01 to £25,000, so you could use your personal loan from Hitachi Personal Finance to help pay for your dream wedding or maybe it’s that perfect honeymoon destination that you just can’t miss out on.

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